Do you think the activities of insurance companies in the Russian Federation effective?

Interested in your opinion on any type of insurance( life, property, auto, natural disasters)

What would happen if there were no people on the planet ?

50 years after the disappearance of human forests cover about 80 % of the Earth .Carbon dioxide in the atmosphere will affect another 1,000 years, but the air will be much cleaner in 2-3 weeks .Traces of human presence will disappear after 100,000 years .